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CVB Financial (CVBF) Financials

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$21.24 +0.40 (+1.90%)
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Annual Income Statements for CVB Financial

Annual Income Statements for CVB Financial

This table shows CVB Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 107 109 104 152 208 168 229 383 208 196 172
Consolidated Net Income / (Loss)		 99 101 104 152 208 177 213 235 221 201 209
Net Income / (Loss) Continuing Operations		 99 101 104 152 208 177 213 235 221 201 209
Total Pre-Tax Income 		151 162 189 211 291 250 298 328 315 271 282
Total Revenue		 286 293 321 393 495 466 462 556 547 502 515
Net Interest Income / (Expense)		 253 257 279 349 436 416 415 506 488 447 460
Total Interest Income		 262 265 287 362 458 430 421 515 606 630 593
Loans and Leases Interest Income		 186 193 214 293 398 377 357 389 448 456 446
Investment Securities Interest Income		 75 70 72 67 58 51 61 119 140 136 129
Deposits and Money Market Investments Interest Income		 - 1.91 0.93 1.64 2.27 1.68 2.57 6.71 18 39 18
Total Interest Expense		 8.57 7.98 8.30 13 22 14 6.08 9.16 118 183 133
Deposits Interest Expense		 5.27 5.96 6.04 9.83 17 13 5.35 6.83 52 105 101
Federal Funds Purchased and Securities Sold Interest Expense		 2.87 1.48 1.58 2.07 3.96 1.13 0.55 2.33 67 77 30
Other Interest Expense		 - - - - - - - 0.00 0.00 0.57 1.40
Total Non-Interest Income		 33 36 42 43 59 50 47 50 59 54 55
Other Service Charges		 22 4.28 6.20 6.59 43 11 7.01 7.55 12 8.72 15
Net Realized & Unrealized Capital Gains on Investments		 0.73 1.08 3.44 3.55 11 2.07 1.37 2.72 0.00 -2.42 -8.67
Other Non-Interest Income		 2.56 30 32 33 5.80 37 39 40 47 48 49
Provision for Credit Losses		 -5.60 -6.40 -8.50 1.50 5.00 24 -26 11 2.00 -3.00 -3.50
Total Non-Interest Expense		 141 137 141 180 199 193 190 217 230 234 237
Salaries and Employee Benefits		 79 83 87 101 119 120 118 132 139 144 144
Net Occupancy & Equipment Expense		 15 16 17 20 20 21 20 23 22 23 24
Marketing Expense		 5.02 5.03 4.84 5.30 5.89 4.49 4.62 6.30 6.76 7.31 6.88
Other Operating Expenses		 42 26 29 32 36 39 38 42 56 54 54
Amortization Expense		 - 1.11 1.33 5.25 11 9.35 8.24 7.57 6.45 5.32 4.19
Restructuring Charge		 0.48 1.90 2.25 16 6.45 0.00 0.96 6.01 0.00 0.00 1.56
Income Tax Expense		 52 61 84 59 83 72 85 93 94 71 72
Other Adjustment to Net Income / (Loss) Attributable to Common Shareholders)		 -7.36 -7.78 - - - 9.54 -17 -147 13 4.87 38
Basic Earnings per Share		 $0.93 $0.94 $0.95 $1.25 - $1.30 $1.57 $1.67 $1.59 $1.44 $1.52
Weighted Average Basic Shares Outstanding		 114.50M 116.20M 116.60M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M 135.80M
Diluted Earnings per Share		 $0.93 $0.94 $0.95 $1.24 $1.48 $1.30 $1.56 $1.67 $1.59 $1.44 $1.52
Weighted Average Diluted Shares Outstanding		 114.50M 116.20M 116.60M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M 135.80M
Weighted Average Basic & Diluted Shares Outstanding		 114.50M 116.20M 116.60M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M 135.80M
Cash Dividends to Common per Share		 $0.48 $0.48 $0.54 $0.56 $0.72 $0.72 $0.72 $0.77 $0.80 $0.80 $0.80

Quarterly Income Statements for CVB Financial

This table shows CVB Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 96 5.01 54 49 26 66 37 44 44 47 50
Consolidated Net Income / (Loss)		 58 49 49 50 51 51 51 51 53 55 51
Net Income / (Loss) Continuing Operations		 58 49 49 50 51 51 51 51 53 55 51
Total Pre-Tax Income 		81 75 67 69 68 68 70 69 69 74 69
Total Revenue		 138 139 127 125 126 124 127 126 129 134 132
Net Interest Income / (Expense)		 123 119 112 111 114 110 110 112 116 123 118
Total Interest Income		 156 158 158 159 166 148 143 144 150 156 149
Loans and Leases Interest Income		 113 116 116 114 115 110 109 109 111 117 113
Investment Securities Interest Income		 37 36 35 35 34 31 32 32 32 33 33
Deposits and Money Market Investments Interest Income		 6.42 6.28 6.07 9.83 17 5.88 1.80 3.77 7.23 5.31 2.66
Total Interest Expense		 33 39 45 48 52 37 33 33 35 33 31
Deposits Interest Expense		 17 19 21 26 30 28 25 25 26 25 23
Federal Funds Purchased and Securities Sold Interest Expense		 16 20 24 22 22 8.29 6.80 7.40 8.11 8.01 7.97
Other Interest Expense		 - - 0.00 0.00 0.00 - 0.44 0.37 0.33 0.27 0.25
Total Non-Interest Income		 14 19 14 14 13 13 16 15 13 11 14
Other Service Charges		 4.10 2.78 1.88 2.57 2.77 1.51 2.27 2.19 8.51 2.21 1.93
Net Realized & Unrealized Capital Gains on Investments		 0.00 - 0.00 0.00 -2.48 - 2.18 0.00 -8.19 -2.67 0.00
Other Non-Interest Income		 1.55 25 12 12 13 21 12 13 13 12 12
Provision for Credit Losses		 2.00 -2.00 0.00 0.00 0.00 -3.00 -2.00 0.00 1.00 -2.50 3.00
Total Non-Interest Expense		 55 66 60 56 59 58 59 58 59 62 61
Salaries and Employee Benefits		 35 36 36 35 37 36 36 35 36 37 37
Net Occupancy & Equipment Expense		 5.62 5.52 5.57 5.77 6.20 5.87 6.00 6.11 5.82 5.89 6.08
Marketing Expense		 1.63 2.09 1.63 1.96 1.96 1.76 1.99 1.82 1.74 1.34 2.06
Other Operating Expenses		 12 22 15 12 13 13 13 13 14 14 12
Amortization Expense		 1.57 1.45 1.44 1.44 1.29 1.16 1.16 1.16 1.00 0.88 0.85
Restructuring Charge		 0.00 - - - - - 0.00 - - - 1.13
Income Tax Expense		 23 26 18 19 16 17 18 18 16 19 18
Other Adjustment to Net Income / (Loss) Attributable to Common Shareholders)		 -38 43 -5.36 0.56 25 -16 15 6.48 8.40 8.22 1.10
Basic Earnings per Share		 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36 $0.37 $0.37 $0.38 $0.40 $0.38
Weighted Average Basic Shares Outstanding		 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M 137.80M 137.82M 136.81M 135.80M 176.46M
Diluted Earnings per Share		 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36 $0.36 $0.37 $0.38 $0.41 $0.38
Weighted Average Diluted Shares Outstanding		 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M 137.80M 137.82M 136.81M 135.80M 176.46M
Weighted Average Basic & Diluted Shares Outstanding		 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M 137.80M 137.82M 136.81M 135.80M 176.46M
Cash Dividends to Common per Share		 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20 $0.20

Annual Cash Flow Statements for CVB Financial

This table details how cash moves in and out of CVB Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 11 0.33 16 23 -424 1,773 -226 -1,619 89 -77 172
Net Cash From Operating Activities		 135 100 125 138 208 185 195 274 296 250 221
Net Cash From Continuing Operating Activities		 88 106 73 138 225 84 167 183 307 255 233
Net Income / (Loss) Continuing Operations		 104 99 101 104 208 177 213 235 221 201 209
Consolidated Net Income / (Loss)		 104 99 101 104 208 177 213 235 221 201 209
Provision For Loan Losses		 -1.19 -4.94 -6.06 -8.90 5.00 24 -1.00 11 1.50 -4.25 -1.50
Depreciation Expense		 0.83 -1.47 5.32 2.66 22 -1.16 -6.43 14 18 15 15
Amortization Expense		 21 20 -21 18 -10 -15 -32 -27 -18 -17 -16
Non-Cash Adjustments to Reconcile Net Income		 -29 36 53 -12 3.19 -90 -5.91 -45 40 36 43
Changes in Operating Assets and Liabilities, net		 -7.64 -1.88 -8.19 35 -2.55 -11 0.37 -4.44 44 24 -18
Net Cash From Investing Activities		 -269 -301 -154 140 325 -1,269 -1,730 -1,177 536 853 -210
Net Cash From Continuing Investing Activities		 -269 -301 -154 140 -137 -1,269 -1,730 -1,177 536 853 -210
Purchase of Property, Leasehold Improvements and Equipment		 -1.89 -1.87 -13 -4.89 -5.52 -4.67 -4.68 -5.36 -4.52 -5.14 -4.07
Purchase of Investment Securities		 -822 -884 -1,020 -363 -788 -2,031 -2,690 -1,879 19 -102 -634
Sale of Property, Leasehold Improvements and Equipment		 0.66 0.93 0.00 - - 2.13 1.16 - - 0.00 0.00
Sale and/or Maturity of Investments		 501 590 839 587 646 805 946 681 521 952 441
Other Investing Activities, net		 54 -5.57 47 -82 10 -41 18 26 1.34 7.74 -13
Net Cash From Financing Activities		 192 195 45 -256 -512 2,856 1,310 -626 -754 -1,179 161
Net Cash From Continuing Financing Activities		 192 195 45 -256 -512 2,856 1,335 -626 -754 -1,179 161
Net Change in Deposits		 336 313 178 -98 -123 3,032 1,240 -1,323 -1,403 515 124
Repayment of Debt		 -23 -200 -5.00 -53 -280 0.00 - 993 1,075 - 0.00
Repurchase of Common Equity		 -5.47 -0.83 -1.91 -1.13 -2.64 -93 -8.34 -116 -21 -2.82 -81
Payment of Dividends		 -42 -49 -52 -57 -95 -98 -98 -104 -112 -112 -111
Other Financing Activities, Net		 -73 133 -81 2.68 -11 11 204 -75 -294 -9.19 229
Cash Interest Paid		 -16 -9.47 7.99 -8.29 21 14 6.01 8.58 96 200 133
Cash Income Taxes Paid		 -59 -59 - -70 69 - 70 - 70 54 33

Quarterly Cash Flow Statements for CVB Financial

This table details how cash moves in and out of CVB Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -378 -18 668 -105 -391 -237 324 210 45 -408 76
Net Cash From Operating Activities		 85 49 77 26 71 75 42 53 82 45 62
Net Cash From Continuing Operating Activities		 85 -9.73 83 3.01 152 25 42 45 90 48 62
Net Income / (Loss) Continuing Operations		 58 49 49 50 51 51 51 51 53 55 51
Consolidated Net Income / (Loss)		 58 49 49 50 51 51 51 51 53 55 51
Provision For Loan Losses		 1.10 -2.50 0.00 -0.50 -0.75 -3.00 -1.50 -2.00 2.50 -1.50 3.50
Depreciation Expense		 5.65 4.18 3.09 0.86 6.95 4.47 4.82 3.86 3.66 2.44 4.53
Amortization Expense		 4.43 -32 4.14 4.23 4.28 -29 3.88 3.96 4.01 -27 3.91
Non-Cash Adjustments to Reconcile Net Income		 0.05 -29 3.40 -24 81 -16 -3.03 -7.26 15 33 -1.53
Changes in Operating Assets and Liabilities, net		 16 0.77 24 -27 8.98 19 -13 -3.74 13 -14 0.98
Net Cash From Investing Activities		 162 -7.23 231 203 458 -39 273 84 -189 -378 166
Net Cash From Continuing Investing Activities		 162 -7.22 231 203 451 -32 273 84 -189 -378 166
Purchase of Property, Leasehold Improvements and Equipment		 -0.53 -1.64 -0.17 -1.78 -1.21 -1.98 -0.68 -0.85 -0.84 -1.70 -1.15
Purchase of Investment Securities		 175 -151 119 -167 337 -391 170 -224 -244 -336 48
Sale and/or Maturity of Investments		 -39 150 116 366 132 293 107 316 58 -40 111
Other Investing Activities, net		 26 -4.11 -4.42 5.29 -17 68 -2.97 -7.55 -2.16 0.10 8.13
Net Cash From Financing Activities		 -625 -0.87 360 -334 -920 -284 9.44 72 153 -74 -153
Net Cash From Continuing Financing Activities		 -625 -0.87 360 -334 -920 -284 9.44 72 153 -74 -153
Net Change in Deposits		 -39 -925 461 -105 282 -124 42 -5.10 139 -52 -127
Repurchase of Common Equity		 -0.14 -0.03 -2.57 -0.02 -0.03 -0.19 -19 -23 -6.13 -34 -3.08
Payment of Dividends		 -28 -28 -28 -28 -28 -28 -28 -28 -28 -28 -27
Other Financing Activities, Net		 -183 2.18 4.12 -6.89 126 -132 15 128 47 39 4.13
Cash Interest Paid		 24 30 23 59 80 38 33 32 34 33 32
Cash Income Taxes Paid		 - - 0.00 - - - 0.02 - - - 2.37

Annual Balance Sheets for CVB Financial

This table presents CVB Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 7,671 8,074 8,271 11,529 11,282 14,419 15,884 16,477 16,021 15,154 15,631
Cash and Due from Banks		 106 122 144 164 186 1,958 1,733 203 281 205 376
Interest Bearing Deposits at Other Banks		 33 48 18 7.67 2.93 44 26 9.55 8.22 0.48 13
Trading Account Securities		 3,220 3,182 2,911 2,479 2,415 2,978 5,110 5,810 5,421 4,922 4,953
Loans and Leases, Net of Allowance		 3,958 4,334 4,771 7,701 7,496 8,255 7,823 8,994 8,818 8,456 8,622
Loans and Leases		 4,017 4,395 4,831 7,765 7,565 8,349 7,888 9,079 8,905 8,536 8,699
Allowance for Loan and Lease Losses		 59 62 60 64 69 94 65 85 87 80 77
Premises and Equipment, Net		 31 42 46 58 54 51 49 47 45 28 27
Goodwill		 74 90 117 667 664 664 664 766 766 766 766
Intangible Assets		 2.27 5.01 6.84 54 43 34 25 22 15 9.97 5.77
Other Assets		 247 252 257 399 423 436 454 625 667 767 868
Total Liabilities & Shareholders' Equity		 7,671 8,074 8,271 11,529 11,282 14,419 15,884 16,477 16,021 15,154 15,631
Total Liabilities		 6,748 7,083 7,201 9,678 9,288 12,411 13,802 14,528 13,943 12,967 13,336
Non-Interest Bearing Deposits		 3,250 3,674 3,846 5,205 5,246 7,455 8,104 8,164 7,206 7,037 6,801
Interest Bearing Deposits		 2,667 2,636 2,700 3,623 3,459 4,281 4,872 4,672 4,227 4,911 5,271
Short-Term Debt		 737 656 554 722 429 444 642 565 272 262 491
Accrued Interest Payable		 - - - - - - - 0.43 23 5.05 4.77
Long-Term Debt		 26 26 26 26 26 26 2.28 995 2,070 500 500
Other Long-Term Liabilities		 66 68 75 102 129 205 181 131 144 252 268
Commitments & Contingencies		 0.00 0.00 0.00 - - - 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 923 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186 2,295
Total Preferred & Common Equity		 923 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186 2,295
Total Common Equity		 923 991 1,069 1,851 1,994 2,008 2,082 1,949 2,078 2,186 2,295
Common Stock		 503 531 573 1,294 1,299 1,212 1,210 1,300 1,289 1,297 1,222
Retained Earnings		 400 449 494 576 683 761 876 1,003 1,113 1,201 1,301
Accumulated Other Comprehensive Income / (Loss)		 21 10 1.45 -18 13 35 -3.97 -355 -324 -312 -228

Quarterly Balance Sheets for CVB Financial

This table presents CVB Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 16,349 16,274 16,485 15,903 16,468 16,151 15,403 15,257 15,414 15,666 15,508
Cash and Due from Banks		 319 228 618 241 950 844 453 529 739 784 452
Interest Bearing Deposits at Other Banks		 7.59 12 30 4.11 13 7.35 24 3.45 11 13 4.94
Trading Account Securities		 5,880 5,741 5,581 5,363 5,292 5,176 4,871 4,894 4,814 4,877 4,837
Loans and Leases, Net of Allowance		 8,692 8,856 8,820 8,789 8,688 8,599 8,490 8,285 8,280 8,392 8,563
Loans and Leases		 8,774 8,942 8,907 8,878 8,771 8,682 8,573 8,364 8,359 8,471 8,643
Allowance for Loan and Lease Losses		 83 87 87 89 83 83 83 78 78 79 80
Premises and Equipment, Net		 47 45 46 45 43 43 36 27 27 27 27
Goodwill		 766 766 766 766 766 766 766 766 766 766 766
Intangible Assets		 23 20 18 17 14 12 11 8.81 7.66 6.65 4.92
Other Assets		 615 607 605 680 703 704 752 743 770 801 852
Total Liabilities & Shareholders' Equity		 16,349 16,274 16,485 15,903 16,468 16,151 15,403 15,257 15,414 15,666 15,508
Total Liabilities		 14,470 14,284 14,483 13,952 14,381 14,039 13,205 13,028 13,174 13,384 13,186
Non-Interest Bearing Deposits		 8,765 7,844 7,879 7,587 7,113 7,090 7,137 7,184 7,247 7,245 7,101
Interest Bearing Deposits		 5,108 4,428 4,519 4,772 4,782 4,700 4,936 4,806 4,738 4,879 4,845
Short-Term Debt		 468 490 452 270 276 269 395 276 404 451 494
Accrued Interest Payable		 - - - - 45 34 6.68 4.36 4.58 4.64 4.25
Long-Term Debt		 0.00 1,405 1,495 1,120 1,995 1,800 500 500 500 500 500
Other Long-Term Liabilities		 130 117 138 203 170 146 232 258 280 304 243
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,879 1,990 2,001 1,951 2,087 2,112 2,198 2,228 2,240 2,282 2,321
Total Preferred & Common Equity		 1,879 1,990 2,001 1,951 2,087 2,112 2,198 2,228 2,240 2,282 2,321
Total Common Equity		 1,879 1,990 2,001 1,951 2,087 2,112 2,198 2,228 2,240 2,282 2,321
Common Stock		 1,298 1,282 1,284 1,286 1,289 1,291 1,294 1,281 1,261 1,257 1,222
Retained Earnings		 965 1,034 1,062 1,092 1,133 1,155 1,179 1,225 1,248 1,273 1,324
Accumulated Other Comprehensive Income / (Loss)		 -383 -326 -345 -427 -335 -334 -275 -277 -268 -248 -225

Annual Metrics And Ratios for CVB Financial

This table displays calculated financial ratios and metrics derived from CVB Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 136,809,068.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 136,809,068.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.53
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.95% 2.17% 9.71% 22.26% 26.06% -5.84% -0.86% 20.26% -1.47% -8.31% 2.72%
EBITDA Growth		 -8.24% -13.47% 42.88% -1.69% 47.04% -22.95% 11.00% 21.80% 0.04% -14.51% 4.13%
EBIT Growth		 -7.02% 7.21% 16.33% 11.82% 37.87% -14.28% 19.29% 10.31% -3.93% -14.01% 3.85%
NOPAT Growth		 -4.69% 2.30% 2.94% 45.58% 36.73% -14.76% 19.96% 10.78% -5.94% -9.36% 4.28%
Net Income Growth		 -4.69% 2.30% 2.94% 45.58% 36.73% -14.76% 19.96% 10.78% -5.94% -9.36% 4.28%
EPS Growth		 -5.10% 1.08% 1.06% 30.53% 19.35% -12.16% 20.00% 7.05% -4.79% -9.43% 5.56%
Operating Cash Flow Growth		 -25.88% 24.29% 11.14% 19.18% 26.21% -11.09% 5.48% 40.20% 8.00% -15.51% -11.35%
Free Cash Flow Firm Growth		 26.07% -9.20% 11.88% -722.48% 144.90% -58.85% -124.05% -1,442.66% -25.92% 342.61% -107.67%
Invested Capital Growth		 -1.58% -0.78% -1.43% 57.64% -5.80% 1.21% 10.01% 28.71% 25.95% -33.29% 11.45%
Revenue Q/Q Growth		 0.33% 0.65% -1.53% 17.68% -1.62% 0.53% -1.57% 7.87% -2.97% -2.90% 2.04%
EBITDA Q/Q Growth		 -0.48% -19.59% 19.19% 0.58% 4.75% -5.06% -11.38% 15.44% -2.27% -1.42% 2.32%
EBIT Q/Q Growth		 0.93% 1.35% -4.08% 15.73% 2.32% 1.33% -2.32% 10.64% -7.01% -2.36% 2.30%
NOPAT Q/Q Growth		 3.15% -1.49% -8.12% 19.98% 4.07% -0.69% -1.10% 8.51% -7.39% 1.18% 2.04%
Net Income Q/Q Growth		 3.15% -1.49% -8.12% 19.98% 4.07% -0.69% -1.10% 8.51% -7.39% 1.18% 2.04%
EPS Q/Q Growth		 3.33% -1.05% -9.52% 12.73% 4.23% 0.78% -1.89% 9.15% -7.56% 0.70% 3.40%
Operating Cash Flow Q/Q Growth		 -37.11% 61.23% -15.31% 10.93% 6.32% -6.89% 6.31% 4.67% -6.99% 11.65% -11.89%
Free Cash Flow Firm Q/Q Growth		 -11.51% 118.06% 27.76% -51.55% 426.42% 78.46% -375.17% -192.19% 8.73% 274.10% -300.09%
Invested Capital Q/Q Growth		 8.30% 4.08% 1.76% 14.31% 1.79% -0.92% 0.10% 49.53% 32.29% -4.66% 1.62%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 59.15% 50.10% 65.25% 52.46% 61.20% 50.08% 56.07% 56.79% 57.65% 53.76% 54.50%
EBIT Margin		 52.85% 55.46% 58.81% 53.78% 58.82% 53.55% 64.44% 59.11% 57.63% 54.05% 54.65%
Profit (Net Income) Margin		 34.61% 34.66% 32.52% 38.72% 42.00% 38.02% 46.01% 42.38% 40.46% 40.00% 40.60%
Tax Burden Percent		 65.50% 62.50% 55.30% 72.00% 71.40% 71.00% 71.40% 71.70% 70.20% 74.00% 74.30%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 34.50% 37.50% 44.70% 28.00% 28.60% 29.00% 28.60% 28.30% 29.80% 26.00% 25.70%
Return on Invested Capital (ROIC)		 5.83% 6.04% 6.29% 7.16% 8.23% 7.19% 8.17% 7.55% 5.59% 5.45% 6.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.83% 6.04% 6.29% 7.16% 8.23% 7.19% 8.17% 7.55% 5.59% 5.45% 6.71%
Return on Net Nonoperating Assets (RNNOA)		 5.17% 4.56% 3.85% 3.25% 2.58% 1.66% 2.23% 4.13% 5.41% 3.97% 2.63%
Return on Equity (ROE)		 11.01% 10.60% 10.14% 10.41% 10.81% 8.85% 10.39% 11.68% 11.00% 9.41% 9.34%
Cash Return on Invested Capital (CROIC)		 7.43% 6.83% 7.72% -37.59% 14.20% 5.99% -1.36% -17.56% -17.39% 45.39% -4.12%
Operating Return on Assets (OROA)		 2.01% 2.06% 2.31% 2.13% 2.55% 1.94% 1.96% 2.03% 1.94% 1.74% 1.83%
Return on Assets (ROA)		 1.32% 1.29% 1.28% 1.54% 1.82% 1.38% 1.40% 1.46% 1.36% 1.29% 1.36%
Return on Common Equity (ROCE)		 11.01% 10.60% 10.14% 10.41% 10.81% 8.85% 10.39% 11.68% 11.00% 9.41% 9.34%
Return on Equity Simple (ROE_SIMPLE)		 10.74% 10.24% 9.76% 8.21% 10.42% 8.82% 10.21% 12.08% 10.66% 9.18% 9.12%
Net Operating Profit after Tax (NOPAT)		 99 101 104 152 208 177 213 235 221 201 209
NOPAT Margin		 34.61% 34.66% 32.52% 38.72% 42.00% 38.02% 46.01% 42.38% 40.46% 40.00% 40.60%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 34.40% 35.30% 33.85% 32.11% 29.47% 31.09% 30.79% 28.92% 30.71% 34.91% 33.98%
Operating Expenses to Revenue		 49.11% 46.73% 43.84% 45.83% 40.16% 41.40% 41.09% 38.98% 42.00% 46.55% 46.03%
Earnings before Interest and Taxes (EBIT)		 151 162 189 211 291 250 298 328 315 271 282
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 169 147 209 206 303 233 259 315 316 270 281
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.42 1.86 1.85 1.20 1.22 1.11 1.22 1.68 1.28 1.37 1.11
Price to Tangible Book Value (P/TBV)		 1.55 2.06 2.09 1.96 1.89 1.70 1.82 2.83 2.06 2.12 1.67
Price to Revenue (P/Rev)		 4.58 6.30 6.15 5.64 4.92 4.79 5.49 5.90 4.87 5.96 4.94
Price to Earnings (P/E)		 12.30 16.89 18.91 14.57 11.72 13.32 11.07 8.57 12.79 15.27 14.83
Dividend Yield		 3.90% 2.81% 2.90% 3.55% 3.91% 4.37% 3.85% 3.28% 4.18% 3.74% 4.30%
Earnings Yield		 8.13% 5.92% 5.29% 6.87% 8.53% 7.51% 9.03% 11.67% 7.82% 6.55% 6.74%
Enterprise Value to Invested Capital (EV/IC)		 1.15 1.41 1.45 1.07 1.10 0.28 0.52 1.32 1.07 1.20 0.96
Enterprise Value to Revenue (EV/Rev)		 6.75 8.05 7.45 7.11 5.46 1.50 3.08 8.33 8.62 7.07 6.10
Enterprise Value to EBITDA (EV/EBITDA)		 11.42 16.07 11.42 13.55 8.92 3.00 5.49 14.67 14.95 13.15 11.20
Enterprise Value to EBIT (EV/EBIT)		 12.78 14.52 12.67 13.22 9.28 2.81 4.78 14.09 14.95 13.08 11.17
Enterprise Value to NOPAT (EV/NOPAT)		 19.51 23.23 22.91 18.36 13.00 3.95 6.69 19.65 21.30 17.67 15.03
Enterprise Value to Operating Cash Flow (EV/OCF)		 19.30 18.92 17.28 16.92 12.98 3.78 7.28 16.90 15.96 14.20 14.21
Enterprise Value to Free Cash Flow (EV/FCFF)		 15.32 20.56 18.65 0.00 7.54 4.75 0.00 0.00 0.00 2.12 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.83 0.69 0.54 0.40 0.23 0.23 0.31 0.80 1.13 0.35 0.43
Long-Term Debt to Equity		 0.03 0.03 0.02 0.01 0.01 0.01 0.00 0.51 1.00 0.23 0.22
Financial Leverage		 0.89 0.75 0.61 0.45 0.31 0.23 0.27 0.55 0.97 0.73 0.39
Leverage Ratio		 8.35 8.23 7.93 6.78 5.93 6.42 7.41 8.03 8.07 7.31 6.87
Compound Leverage Factor		 8.35 8.23 7.93 6.78 5.93 6.42 7.41 8.03 8.07 7.31 6.87
Debt to Total Capital		 45.23% 40.76% 35.15% 28.78% 18.56% 18.97% 23.65% 44.47% 52.98% 25.84% 30.15%
Short-Term Debt to Total Capital		 43.70% 39.22% 33.59% 27.79% 17.51% 17.93% 23.56% 16.11% 6.15% 8.88% 14.93%
Long-Term Debt to Total Capital		 1.53% 1.54% 1.56% 0.99% 1.05% 1.04% 0.08% 28.36% 46.84% 16.96% 15.22%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 54.77% 59.24% 64.85% 71.22% 81.44% 81.03% 76.35% 55.53% 47.02% 74.16% 69.85%
Debt to EBITDA		 4.50 4.65 2.77 3.63 1.50 2.02 2.49 4.95 7.42 2.82 3.53
Net Debt to EBITDA		 3.68 3.49 1.99 2.80 0.88 -6.56 -4.30 4.27 6.50 2.06 2.14
Long-Term Debt to EBITDA		 0.15 0.18 0.12 0.13 0.09 0.11 0.01 3.15 6.56 1.85 1.78
Debt to NOPAT		 7.69 6.72 5.55 4.92 2.19 2.65 3.03 6.63 10.57 3.80 4.73
Net Debt to NOPAT		 6.29 5.05 4.00 3.79 1.28 -8.65 -5.24 5.72 9.27 2.77 2.87
Long-Term Debt to NOPAT		 0.26 0.25 0.25 0.17 0.12 0.15 0.01 4.23 9.35 2.49 2.39
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 126 115 128 -798 359 148 -35 -547 -689 1,672 -128
Operating Cash Flow to CapEx		 10,625.13% 987.17% 2,828.71% 0.00% 3,770.05% 7,284.38% 5,546.65% 5,107.87% 6,539.08% 4,863.97% 5,444.09%
Free Cash Flow to Firm to Interest Expense		 14.73 14.37 15.46 -62.30 16.24 10.33 -5.84 -59.79 -5.82 9.15 -0.96
Operating Cash Flow to Interest Expense		 11.69 15.61 16.68 12.87 9.43 12.96 32.11 29.90 2.50 1.37 1.66
Operating Cash Flow Less CapEx to Interest Expense		 11.58 14.03 16.09 13.20 9.18 12.78 31.53 29.31 2.46 1.34 1.63
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 8.82 7.97 7.28 7.52 8.82 8.86 9.22 11.60 11.98 13.89 19.07
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,686 1,673 1,649 2,599 2,449 2,478 2,726 3,509 4,420 2,948 3,286
Invested Capital Turnover		 0.17 0.17 0.19 0.18 0.20 0.19 0.18 0.18 0.14 0.14 0.17
Increase / (Decrease) in Invested Capital		 -27 -13 -24 950 -151 30 248 783 911 -1,471 338
Enterprise Value (EV)		 1,934 2,357 2,392 2,790 2,702 701 1,422 4,627 4,717 3,547 3,146
Market Capitalization		 1,311 1,844 1,975 2,214 2,436 2,232 2,535 3,280 2,665 2,990 2,545
Book Value per Share		 $8.68 $9.16 $9.71 $13.19 $14.23 $14.82 $15.36 $13.94 $14.91 $15.65 $16.78
Tangible Book Value per Share		 $7.96 $8.29 $8.59 $8.06 $9.19 $9.67 $10.27 $8.30 $9.31 $10.10 $11.14
Total Capital		 1,686 1,673 1,649 2,599 2,449 2,478 2,726 3,509 4,420 2,948 3,286
Total Debt		 762 682 580 748 454 470 645 1,560 2,342 762 991
Total Long-Term Debt		 26 26 26 26 26 26 2.28 995 2,070 500 500
Net Debt		 624 512 417 576 266 -1,532 -1,114 1,347 2,052 557 601
Capital Expenditures (CapEx)		 0.94 13 4.89 -4.19 5.52 2.54 3.52 5.36 4.52 5.14 4.07
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 762 682 580 748 454 470 645 1,560 2,342 762 991
Total Depreciation and Amortization (D&A)		 18 -16 21 -5.18 12 -16 -39 -13 0.12 -1.46 -0.78
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $1.25 $1.48 $0.00 $0.00 $1.67 $1.59 $1.44 $1.52
Adjusted Weighted Average Basic Shares Outstanding		 106.37M 108.42M 110.16M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M 135.80M
Adjusted Diluted Earnings per Share		 $0.93 $0.94 $0.95 $1.24 $1.48 $1.30 $1.56 $1.67 $1.59 $1.44 $1.52
Adjusted Weighted Average Diluted Shares Outstanding		 106.37M 108.42M 110.16M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M 135.80M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $1.48 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 106.37M 108.42M 110.16M 139.97M 140.11M 135.87M 141.92M 139.51M 139.37M 139.62M 135.80M
Normalized Net Operating Profit after Tax (NOPAT)		 99 104 106 164 212 177 213 240 221 201 210
Normalized NOPAT Margin		 34.72% 35.61% 32.91% 41.73% 42.93% 38.02% 46.16% 43.16% 40.46% 40.00% 40.83%
Pre Tax Income Margin		 52.85% 55.46% 58.81% 53.78% 58.82% 53.55% 64.44% 59.11% 57.63% 54.05% 54.65%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 17.66 20.35 22.76 16.47 13.18 17.47 48.96 35.87 2.67 1.48 2.12
NOPAT to Interest Expense		 11.57 12.72 12.59 11.86 9.41 12.40 34.95 25.72 1.87 1.10 1.57
EBIT Less CapEx to Interest Expense		 17.55 18.77 22.17 16.80 12.93 17.29 48.38 35.28 2.63 1.46 2.09
NOPAT Less CapEx to Interest Expense		 11.46 11.14 12.00 12.19 9.16 12.22 34.38 25.13 1.83 1.07 1.54
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 49.28% 50.90% 54.64% -43.40% 45.88% 55.59% 45.99% 44.36% 50.44% 55.72% 53.03%
Augmented Payout Ratio		 50.12% 52.78% 55.72% -48.50% 47.15% 107.95% 49.91% 93.77% 60.02% 57.12% 91.79%

Quarterly Metrics And Ratios for CVB Financial

This table displays calculated financial ratios and metrics derived from CVB Financial's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - - - - 136,809,068.00 135,800,301.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - 136,809,068.00 135,800,301.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - 0.40 0.38
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.00% -10.80% -8.89% -5.23% -8.15% -10.83% 0.08% 0.86% 1.68% 8.36% 4.30%
EBITDA Growth		 -9.31% -13.52% -19.20% -14.41% -13.08% -8.29% 5.66% 3.71% -2.74% 14.79% -1.58%
EBIT Growth		 -10.32% -24.18% -19.07% -11.46% -16.13% -8.78% 4.08% 0.03% 2.05% 9.29% -1.41%
NOPAT Growth		 -10.45% -26.69% -18.00% -10.28% -11.51% 4.84% 5.15% 1.06% 2.66% 8.23% -0.20%
Net Income Growth		 -10.45% -26.69% -18.00% -10.28% -11.51% 4.84% 5.15% 1.06% 2.66% 8.23% -0.20%
EPS Growth		 -8.70% -27.08% -16.67% -10.00% -11.90% 2.86% 2.86% 2.78% 2.70% 13.89% 5.56%
Operating Cash Flow Growth		 13.95% -31.32% 10.49% -71.58% -15.86% 53.55% -45.95% 103.12% 14.21% -39.96% 48.98%
Free Cash Flow Firm Growth		 -312.12% -20.31% 63.19% 87.04% 132.02% 276.57% 431.19% 695.88% -129.48% -118.56% -118.51%
Invested Capital Growth		 42.37% 25.95% 12.16% 5.89% -7.44% -33.29% -31.05% -24.80% 4.56% 11.45% 10.35%
Revenue Q/Q Growth		 4.15% 0.61% -8.62% -1.03% 0.94% -2.32% 2.55% -0.25% 1.77% 4.10% -1.29%
EBITDA Q/Q Growth		 5.10% -48.27% 57.80% -0.23% 6.73% -45.42% 81.80% -2.07% 0.09% -35.59% 55.88%
EBIT Q/Q Growth		 3.80% -7.48% -10.44% 2.95% -1.68% 0.63% 2.19% -1.06% 0.31% 7.76% -7.81%
NOPAT Q/Q Growth		 3.80% -16.20% 0.19% 2.95% 2.38% -0.71% 0.48% -1.06% 4.00% 4.67% -7.34%
Net Income Q/Q Growth		 3.80% -16.20% 0.19% 2.95% 2.38% -0.71% 0.48% -1.06% 4.00% 4.67% -7.34%
EPS Q/Q Growth		 5.00% -16.67% 0.00% 2.86% 2.78% -2.70% 0.00% 2.78% 2.70% 7.89% -7.32%
Operating Cash Flow Q/Q Growth		 -7.76% -42.63% 59.15% -66.25% 173.06% 4.70% -43.98% 26.82% 53.54% -44.96% 39.01%
Free Cash Flow Firm Q/Q Growth		 33.50% 7.92% 50.83% 56.96% 264.31% 407.71% -7.76% -22.56% -108.13% -219.68% 8.01%
Invested Capital Q/Q Growth		 -15.39% 32.29% -1.40% -4.05% -26.04% -4.66% 1.91% 4.66% 2.83% 1.62% 0.90%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 65.88% 33.87% 58.49% 58.97% 62.35% 34.83% 61.76% 60.63% 59.64% 36.90% 58.27%
EBIT Margin		 58.56% 53.85% 52.78% 54.90% 53.47% 55.08% 54.89% 54.45% 53.67% 55.56% 51.89%
Profit (Net Income) Margin		 42.04% 35.02% 38.40% 39.94% 40.51% 41.17% 40.34% 40.02% 40.90% 41.12% 38.60%
Tax Burden Percent		 71.80% 65.03% 72.75% 72.75% 75.76% 74.75% 73.50% 73.50% 76.20% 74.02% 74.40%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 28.20% 34.97% 27.25% 27.25% 24.25% 25.25% 26.50% 26.50% 23.80% 25.98% 25.60%
Return on Invested Capital (ROIC)		 8.34% 4.83% 4.98% 5.19% 6.51% 5.61% 5.50% 5.50% 6.53% 6.80% 6.36%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.34% 4.83% 4.98% 5.19% 6.51% 5.61% 5.50% 5.50% 6.53% 6.80% 6.36%
Return on Net Nonoperating Assets (RNNOA)		 4.04% 4.69% 5.09% 5.07% 3.58% 4.08% 3.88% 3.75% 2.69% 2.66% 2.48%
Return on Equity (ROE)		 12.38% 9.52% 10.08% 10.25% 10.09% 9.69% 9.38% 9.25% 9.22% 9.46% 8.84%
Cash Return on Invested Capital (CROIC)		 -26.55% -17.39% -6.35% -0.68% 13.90% 45.39% 42.28% 33.87% 2.03% -4.12% -3.22%
Operating Return on Assets (OROA)		 2.05% 1.81% 1.72% 1.78% 1.77% 1.77% 1.74% 1.74% 1.75% 1.86% 1.76%
Return on Assets (ROA)		 1.47% 1.18% 1.25% 1.29% 1.34% 1.33% 1.28% 1.28% 1.33% 1.38% 1.31%
Return on Common Equity (ROCE)		 12.38% 9.52% 10.08% 10.25% 10.09% 9.69% 9.38% 9.25% 9.22% 9.46% 8.84%
Return on Equity Simple (ROE_SIMPLE)		 12.25% 0.00% 10.10% 9.71% 9.03% 0.00% 9.12% 9.09% 8.99% 0.00% 9.01%
Net Operating Profit after Tax (NOPAT)		 58 49 49 50 51 51 51 51 53 55 51
NOPAT Margin		 42.04% 35.02% 38.40% 39.94% 40.51% 41.17% 40.34% 40.02% 40.90% 41.12% 38.60%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 30.50% 31.24% 34.44% 34.45% 35.44% 35.31% 35.10% 33.97% 33.78% 33.12% 34.51%
Operating Expenses to Revenue		 39.99% 47.60% 47.22% 45.10% 46.53% 47.34% 46.69% 45.55% 45.56% 46.31% 45.84%
Earnings before Interest and Taxes (EBIT)		 81 75 67 69 68 68 70 69 69 74 69
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 91 47 74 74 79 43 78 77 77 49 77
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.11 1.28 1.14 1.10 1.12 1.37 1.12 1.19 1.13 1.11 1.12
Price to Tangible Book Value (P/TBV)		 1.85 2.06 1.82 1.75 1.74 2.12 1.72 1.82 1.71 1.67 1.68
Price to Revenue (P/Rev)		 3.83 4.87 4.45 4.41 4.77 5.96 4.98 5.31 5.10 4.94 5.00
Price to Earnings (P/E)		 8.22 12.79 11.06 11.42 18.35 15.27 14.00 15.45 13.48 14.83 14.09
Dividend Yield		 5.16% 4.18% 4.68% 4.79% 4.53% 3.74% 4.47% 4.13% 4.28% 4.30% 4.17%
Earnings Yield		 12.17% 7.82% 9.04% 8.76% 5.45% 6.55% 7.14% 6.47% 7.42% 6.74% 7.10%
Enterprise Value to Invested Capital (EV/IC)		 0.99 1.07 0.85 0.85 0.93 1.20 0.91 0.90 0.85 0.96 0.95
Enterprise Value to Revenue (EV/Rev)		 5.86 8.62 6.89 6.72 5.58 7.07 5.46 5.62 5.41 6.10 6.03
Enterprise Value to EBITDA (EV/EBITDA)		 10.24 14.95 12.38 12.43 10.53 13.15 9.83 10.22 9.95 11.20 11.24
Enterprise Value to EBIT (EV/EBIT)		 9.74 14.95 12.31 12.20 10.38 13.08 10.01 10.32 9.92 11.17 11.20
Enterprise Value to NOPAT (EV/NOPAT)		 13.82 21.30 17.50 17.31 14.53 17.67 13.49 13.87 13.32 15.03 15.02
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.40 15.96 12.17 14.96 12.89 14.20 12.80 11.72 10.88 14.21 12.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 6.45 2.12 1.76 2.28 42.61 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.71 1.13 1.09 0.98 0.41 0.35 0.35 0.40 0.42 0.43 0.43
Long-Term Debt to Equity		 0.57 1.00 0.96 0.85 0.23 0.23 0.22 0.22 0.22 0.22 0.22
Financial Leverage		 0.48 0.97 1.02 0.98 0.55 0.73 0.71 0.68 0.41 0.39 0.39
Leverage Ratio		 8.42 8.07 8.03 7.93 7.55 7.31 7.35 7.25 6.94 6.87 6.76
Compound Leverage Factor		 8.42 8.07 8.03 7.93 7.55 7.31 7.35 7.25 6.94 6.87 6.76
Debt to Total Capital		 41.59% 52.98% 52.11% 49.48% 28.93% 25.84% 25.83% 28.75% 29.42% 30.15% 29.99%
Short-Term Debt to Total Capital		 8.07% 6.15% 6.33% 6.43% 12.76% 8.88% 9.19% 12.85% 13.96% 14.93% 14.91%
Long-Term Debt to Total Capital		 33.52% 46.84% 45.78% 43.05% 16.17% 16.96% 16.64% 15.90% 15.46% 15.22% 15.08%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 58.41% 47.02% 47.89% 50.52% 71.07% 74.16% 74.17% 71.25% 70.58% 69.85% 70.01%
Debt to EBITDA		 4.30 7.42 7.62 7.25 3.27 2.82 2.78 3.27 3.46 3.53 3.56
Net Debt to EBITDA		 3.55 6.50 4.39 4.26 1.52 2.06 0.87 0.56 0.56 2.14 1.92
Long-Term Debt to EBITDA		 3.47 6.56 6.70 6.30 1.83 1.85 1.79 1.81 1.82 1.78 1.79
Debt to NOPAT		 5.81 10.57 10.77 10.09 4.51 3.80 3.82 4.44 4.64 4.73 4.75
Net Debt to NOPAT		 4.79 9.27 6.21 5.94 2.10 2.77 1.20 0.76 0.75 2.87 2.57
Long-Term Debt to NOPAT		 4.68 9.35 9.47 8.78 2.52 2.49 2.46 2.45 2.44 2.39 2.39
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -936 -862 -424 -182 300 1,522 1,404 1,087 -88 -283 -260
Operating Cash Flow to CapEx		 15,978.91% 2,966.54% 46,671.08% 1,468.88% 5,880.89% 3,784.86% 6,167.60% 6,248.00% 9,753.83% 2,637.07% 5,449.00%
Free Cash Flow to Firm to Interest Expense		 -28.50 -22.27 -9.37 -3.78 5.75 40.94 43.13 33.35 -2.56 -8.48 -8.31
Operating Cash Flow to Interest Expense		 2.58 1.26 1.71 0.54 1.37 2.01 1.29 1.63 2.36 1.35 2.00
Operating Cash Flow Less CapEx to Interest Expense		 2.57 1.21 1.71 0.51 1.35 1.96 1.27 1.60 2.34 1.30 1.96
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 12.27 11.98 12.05 11.90 12.79 13.89 14.30 14.40 16.07 19.07 19.43
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 3,341 4,420 4,358 4,181 3,092 2,948 3,005 3,144 3,233 3,286 3,316
Invested Capital Turnover		 0.20 0.14 0.13 0.13 0.16 0.14 0.14 0.14 0.16 0.17 0.16
Increase / (Decrease) in Invested Capital		 994 911 473 233 -249 -1,471 -1,353 -1,037 141 338 311
Enterprise Value (EV)		 3,305 4,717 3,688 3,548 2,883 3,547 2,742 2,827 2,733 3,146 3,143
Market Capitalization		 2,160 2,665 2,379 2,331 2,466 2,990 2,498 2,672 2,579 2,545 2,606
Book Value per Share		 $14.00 $14.91 $14.94 $15.13 $15.73 $15.65 $15.96 $16.26 $16.56 $16.78 $17.09
Tangible Book Value per Share		 $8.39 $9.31 $9.36 $9.55 $10.17 $10.10 $10.41 $10.64 $10.95 $11.14 $11.42
Total Capital		 3,341 4,420 4,358 4,181 3,092 2,948 3,005 3,144 3,233 3,286 3,316
Total Debt		 1,390 2,342 2,271 2,069 895 762 776 904 951 991 994
Total Long-Term Debt		 1,120 2,070 1,995 1,800 500 500 500 500 500 500 500
Net Debt		 1,145 2,052 1,308 1,217 417 557 244 155 154 601 537
Capital Expenditures (CapEx)		 0.53 1.64 0.17 1.78 1.21 1.98 0.68 0.85 0.84 1.70 1.15
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 1,390 2,342 2,271 2,069 895 762 776 904 951 991 994
Total Depreciation and Amortization (D&A)		 10 -28 7.23 5.09 11 -25 8.70 7.82 7.68 -25 8.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36 $0.37 $0.37 $0.38 $0.40 $0.38
Adjusted Weighted Average Basic Shares Outstanding		 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M 137.80M 137.82M 136.81M 135.80M 176.46M
Adjusted Diluted Earnings per Share		 $0.42 $0.35 $0.35 $0.36 $0.37 $0.36 $0.36 $0.37 $0.38 $0.41 $0.38
Adjusted Weighted Average Diluted Shares Outstanding		 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M 137.80M 137.82M 136.81M 135.80M 176.46M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 139.34M 139.37M 139.64M 139.68M 139.68M 139.62M 137.80M 137.82M 136.81M 135.80M 176.46M
Normalized Net Operating Profit after Tax (NOPAT)		 58 49 49 50 51 51 51 51 53 55 52
Normalized NOPAT Margin		 42.04% 35.02% 38.40% 39.94% 40.51% 41.17% 40.34% 40.02% 40.90% 41.12% 39.24%
Pre Tax Income Margin		 58.56% 53.85% 52.78% 54.90% 53.47% 55.08% 54.89% 54.45% 53.67% 55.56% 51.89%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.45 1.93 1.48 1.43 1.30 1.83 2.14 2.11 2.00 2.23 2.19
NOPAT to Interest Expense		 1.76 1.25 1.07 1.04 0.98 1.37 1.57 1.55 1.52 1.65 1.63
EBIT Less CapEx to Interest Expense		 2.44 1.88 1.47 1.39 1.27 1.78 2.11 2.08 1.97 2.18 2.16
NOPAT Less CapEx to Interest Expense		 1.75 1.21 1.07 1.00 0.96 1.31 1.55 1.52 1.50 1.60 1.59
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 46.75% 50.44% 52.96% 54.48% 56.34% 55.72% 54.98% 54.87% 54.32% 53.03% 52.66%
Augmented Payout Ratio		 114.22% 60.02% 54.27% 55.82% 57.68% 57.12% 64.30% 75.22% 77.51% 91.79% 83.97%

Financials Breakdown Chart

Key Financial Trends

CVB Financial’s latest quarter shows a stable, profitable regional bank with strong liquidity, but also a few signs of balance-sheet pressure and some quarter-to-quarter volatility in noninterest items. In Q1 2026, the company continued to generate solid earnings and operating cash flow, while keeping credit costs modest. However, deposits declined sharply versus the prior quarter, interest expense remains elevated relative to 2023, and the balance sheet still carries a sizable amount of goodwill and other intangible-related assets.

  • Net income remained healthy in Q1 2026. CVB Financial reported $51.0 million in net income from continuing operations and $49.9 million attributable to common shareholders, showing the bank is still producing meaningful bottom-line profit.
  • Operating cash flow was strong. The company generated $62.4 million in net cash from operating activities in Q1 2026, compared with $44.9 million in Q4 2025, indicating improved cash generation from core operations.
  • Liquidity looks solid. Cash and due from banks rose to $452.4 million at March 31, 2026, and total assets stood at $15.5 billion, giving the bank a sizable liquidity base.
  • Credit costs remain contained. The provision for credit losses was only $3.0 million in Q1 2026, and the cash flow statement showed modest provision for loan losses as well, suggesting manageable near-term credit pressure.
  • Net interest income stayed robust. Q1 2026 net interest income was $117.8 million, a strong contribution to total revenue of $132.1 million.
  • Loan growth was modest, not dramatic. Loans and leases increased to $8.64 billion from $8.47 billion in Q3 2025, suggesting steady but not aggressive lending growth.
  • The dividend appears well-supported for now. CVB Financial paid $0.20 per share in common dividends in Q1 2026, consistent with prior periods and supported by ongoing earnings power.
  • Share count has crept higher year over year. Weighted average basic shares in Q1 2026 were 176.5 million, up from about 137.8 million in Q2 2025 and 139.6 million in Q1 2025, which can dilute per-share growth.
  • Deposits fell sharply from the prior quarter. Net change in deposits was down $126.8 million in Q1 2026, a potential warning sign for funding stability if the trend continues.
  • Interest-bearing costs remain a pressure point. Total interest expense was $31.3 million in Q1 2026, still materially higher than the lower-rate environment seen in 2023, which can squeeze margins if deposit costs stay elevated.
  • Balance-sheet composition still includes meaningful intangible assets and goodwill. Goodwill was $765.8 million and AOCI was negative $225.0 million in Q1 2026, both of which can weigh on book value and reflect past acquisition-related accounting marks.
  • Quarterly earnings are lower than late 2025. Net income attributable to common shareholders declined from $46.8 million in Q4 2025 to $49.9 million in Q1 2026 on a lower share count, while pre-tax income also eased quarter over quarter, hinting at some normalization in profitability.

Longer-term trend: Over the last several years, CVB Financial has generally stayed profitable and cash-generative, with quarterly net income commonly in the $45 million to $60 million range, and occasional spikes or dips tied to deposit flows, securities activity, and financing choices. Compared with 2023, the bank’s earnings power has held up reasonably well, but the business is now operating in a tougher funding-cost environment and has less balance-sheet flexibility than it did when excess cash was much higher.

Bottom line: CVB Financial still looks like a conservatively run, consistently profitable bank, but investors should watch deposit trends, margin pressure, and the effect of share count changes on per-share results.

06/16/26 10:09 AM ETAI Generated. May Contain Errors.

CVB Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, CVB Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

CVB Financial's net income appears to be on an upward trend, with a most recent value of $209.30 million in 2025, rising from $99.15 million in 2015. The previous period was $200.72 million in 2024. Find out what analysts predict for CVB Financial in the coming months.

Over the last 10 years, CVB Financial's total revenue changed from $286.43 million in 2015 to $515.46 million in 2025, a change of 80.0%.

CVB Financial's total liabilities were at $13.34 billion at the end of 2025, a 2.8% increase from 2024, and a 97.6% increase since 2015.

In the past 10 years, CVB Financial's cash and equivalents has ranged from $106.10 million in 2015 to $1.96 billion in 2020, and is currently $376.39 million as of their latest financial filing in 2025.

Over the last 10 years, CVB Financial's book value per share changed from 8.68 in 2015 to 16.78 in 2025, a change of 93.2%.


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Financial statements for NASDAQ:CVBF last updated on 5/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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